Credit Analytics Manager (SME Business Lending)

About Revolut

People deserve more from their money. More visibility, more control, and more freedom. Since 2015, Revolut has been on a mission to deliver just that. Our powerhouse of products — including spending, saving, investing, exchanging, travelling, and more — help our 45+ million customers get more from their money every day.

As we continue our lightning-fast growth,‌ 2 things are essential to our success: our people and our culture. In recognition of our outstanding employee experience, we've been certified as a Great Place to Work™. So far, we have 10,000+ people working around the world, from our offices and remotely, to help us achieve our mission. And we're looking for more brilliant people. People who love building great products, redefining success, and turning the complexity of a chaotic world into the simplicity of a beautiful solution.

About the role

The credit department at Revolut is anything but ordinary. They design, develop, and launch credit products across the globe. The team manages our products from day one to the end, developing the back and front-end, the data science infrastructure, and then creating a local setup in each country with scalable risk management and portfolio management solutions. It's a big job, but our people are a credit to us all ✨

We’re looking for a Credit Manager who’ll provide analytics services to credit teams around the world specifically for SME (small and medium-sized enterprise) lending. This is your chance to get your foot in the door early and leave your mark on this team. Your stakeholders and crew aboard this Revolut rocket ship will be the Heads of Credit, the Policy team, and the modelling experts to craft stellar credit features 🚀

What you’ll be doing

• Determining the credit strategy for SME lending products across multiple countries (mostly in Europe)
• Developing account-level valuation frameworks to develop underwriting credit policies using NPV framework to optimise portfolio-level economic returns
• Optimising credit strategies (new originations, existing customer management, arrears management) to maximise portfolio risk-adjusted returns
• Improving automated credit decisioning capabilities
• Designing, deploying, and analysing champion-challenger tests across the credit lifecycle
• Building and deploying analytical tools for local credit teams
• Supporting the annual budget, forecast, and planning processes, from assessment of market/industry trends through data gathering and analysis
• Tracking, communicating, and drawing insights from performance of ongoing initiatives, staying on top of credit KPIs through intensive monitoring
• Ensuring approval and good rating of first line credit risk function from second line, third line, and regulators
• Selecting and onboarding new data suppliers

What you'll need

• 5-7 years of proven experience in credit risk management for SME lending
• The ability to extract the essence from complex matters and explain it simply
• A data-driven mindset to make appropriate decisions
• Proven experience working with large datasets using Python (Pandas) or SQL
• A solid understanding of credit policy governance framework and the ability to work through the second/third line of defence in a competent manner
• Great organisation skills to plan and meet multiple objectives
• To be forward-thinking on interdependencies to proactively identify and resolve issues
• An understanding of the value of speed to market and ability to balance between elegant problem solving and business need of the hour
• An understanding of credit scoring models for retail credit products

Building a global financial super app isn’t enough. Our Revoluters are a priority, and that’s why in 2021 we launched our inaugural D&I Framework, designed to help us thrive and grow everyday. We're not just doing this because it's the right thing to do. We’re doing it because we know that seeking out diverse talent and creating an inclusive workplace is the way to create exceptional, innovative products and services for our customers. That’s why we encourage applications from people with diverse backgrounds and experiences to join this multicultural, hard-working team.

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